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The knee swells up and it just doesn't feel the same. These plans have no health
questions or underwriting, meaning everyone can qualify. Note: Many insurance agencies sell these accident plans
packaged with dental, vision, and other random discounts. Individual: $7,500 policy value - $28 monthly.Individual:
$10,000 policy value - $34 monthly.Family: $5,000 policy value - $35 monthly. Professional or College
level sports injuries are not covered. Not to mention the best knee surgeon in the
state took care of you.Adam Santi has been a licensed medical insurance broker since 2004.
Deductible is the out of pocket expense you (the insured) pays before the accident plan
pays. At this point, someone can go directly to an emergency room and get the
MRI or X-rays.Or they can schedule an appointment directly with a Orthopedic surgeon. This knee
injury often needs a complete ligament replacement to get back to an active lifestyle. But
who's really worried about health insurance during a 2 month vacation?Personal injury insurance plans pay
for all injuries from any one accident up to the policy benefit of $2,500, $5,000,
$7,500, or $10,000 minus a $100 dollar deductible. The ER supplement I'm writing about here
can be used at any hospital, doctor, or clinic. A indemnity plan compensates for a
loss in cash payments to member or medical care provider. A lot of HDHP deductibles
are maxed out from bodily injuries that required X-rays, MRI's, and eventually surgery. So these
prices are just the policies for straight accident coverage.Individual: $5,000 policy value - $22 monthly.
Increasing the deductible every year offsets the annual rate increase. Emergency room coverage plans can't
have a strict "in network or out of tn requin network" set of rules. The issue people
have with these large deductibles is that one emergency room visit from a broken bone
or torn ligament will meet the deductible for the year. In a lot of common
sports injuries the emergency room insurance policy face value of $10,000 dollars will pay off
the entire surgery and the post operation physical therapy. So benefits are only payable if
the policy was active before the injury occurred. For example, let's use one common sports
injury like a torn ACL. Members can pick any doctor. Adam is also a Gracie
Jiu-Jitsu Black Belt and has become an expert on getting himself injured, being tapped out,
and going to the emergency room. Since this is a form of accident insurance, plans
can be used with any licensed doctor, emergency room, urgent quick care facility, or medical
clinic. It's the same price if you have a 3 person family or a 8
person family).Emergency room health insurance supplements in the United States are commonly used in conjunction
with HDHP (High Deductible Health Plans) to cover the big deductibles. Physical Therapists know exactly
who the top doctors are because Therapists are the first person to see patients post
operation. Typical PPO deductibles are up to $5,000 and $10,000 due to constant rate increases
from insurance companies. Family: $10,000 policy value- $47 monthly.( Monthly price for a family policy
includes everyone. Of course the policy must be active before injury occurs. If the diagnosis
is a torn ACL, you'll have time to schedule surgery as an outpatient. Either way
the next step is diagnostic testing to see what the damage is. Put differently, members
can 925 silver choose accident medical benefits of $2,500, $5,000, $7,500, or $10,000 US dollars with a
$100 deductible per occurrence. The torn knee ligament isn't going to heal itself and for
people who do sports and move around it's a must. Most plans only will cover
abroad for two consecutive months. Emergency room insurance plans pay out of pocket bills associated
with accidents and can pay off the high deductible PPO plan. Total out of pocket
expense would be the plan deductible ($100 or $200). In this example, however you injured
the ACL, the knee buckled and then you'll hear a pop. Coverage is for bodily
injuries and not sickness related ER visits. It should be nick named "pound for pound
most useful plan" based on its practicality.Supplements that provide this form of emergency room coverage
are a membership based indemnity. So if your vacation out of country go's past 2
months, plan won't cover any bodily injury claims. Plans are tied into a association that
offers it's members this type of emergency room insurance coverage. High school sports injuries are
also covered on some plans. Some sales brochures might refer to these plans as 24
hour accident coverage, accident medical expense benefit, personal injury insurance plan, accident health insurance, or
personal accident insurance. Plans are not marketed as insurance, rather a limited accident medical expense
policy. At least this was how my ACL tear went down. Kids can stay on
the family accident plan until age 26 when they'll have to switch to an individual
policy.Since plans are not insurance but a association, applications have no health questions and acceptance
is guaranteed. Surgeons who do Sports Medicine and work with professional athletes are the elite.
Combining a HDHP with a ER plan of the same amount will offset any claims
resulting from bodily injuries.One specific benefit worth highlighting is the surgical benefit. Contact the doctors
office and get quoted for the ACL repair. On a good plan, injuries sustained in
kids league sports like soccer, football, and baseball are covered. Guarantee acceptance is usually until
age 65. Indemnity benefits reset after each accident and benefits are payed per injury or
per accident with a new $100 deductible.Emergency room coverage includes:-Ambulance Charges-Hospital Emergency Room Care-Operating Room
Costs (inpatient or outpatient)-X-Rays-MRI's-Lab tests-Doctors visits (inpatient or outpatient) -Doctors fees for surgery (inpatient or
outpatient)-Anesthesia Expense-Physical Therapy-Prescription Drug expense-Dental treatment for injury to sound natural teeth.-Nurse expense-Miscellaneous hospital expenses
during stay, outpatient surgery under general anesthetic.-Hospital room and board-General nursing careLowest plan rate found
so far. Plans pay part of the medical expenses charged by doctors or hospitals up
to a benefit amount of $2,500, $5,000, $7,500, or $10,000 per accident. Just like any
other health insurance plan, injury must happen while coverage was in force and directly caused
a loss to you covered under the policy. Family: $7,500 policy value - $41 monthly.
Emergency room insurance supplements in the United States are a form of accident medical coverage
that covers accidental bodily injuries. Ask some Physical Therapists in your area who the best
Orthopedic Surgeons are for ACL reconstructions. Plans also can be used as travel insurance while
outside the United States. Currently, most injury plans have a $100 or $250 deductible. Check
out my website to learn more and apply online to the industries leading emergency room
insurance supplement.Emergency Room Insurance Planhttp://www.accidenthealthinsuranceplan.com/.
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